Current Employment

Company:	Comeau Arbitration Services, Inc
Position(s) and Responsibilities:	President, Consultant, and Arbitrator
Address:	749 Avocet Way, Suite 100 Arroyo Grande, CA 93420
Phone:	805-489-5494
Cell:	805-459-6395
Fax:	805-489-3858
Email:	rc@robertcomeau.com

Offering Services as Expert Witness in:

Excess of Loss Reinsurance Agreements, Insurance Underwriting, Pro Rata / Quota Share Reinsurance Agreements, Accident and Health Claims, Insurance Claims, Actuarial, Coverage / Contract Interpretation, Fronting Arrangements, Reinsurance Contract Wording

Previous Employment

Company:	Trustmark Insurance Company Starmark (a TPA) and MultiBenefit Services (an MGA) (Subsidiaries of Trustmark)
Position(s) and Responsibilities:	Executive Vice President – Corporate Development and Personal Insurance President and CEO – Starmark and MultiBenefit Services

Company:	PacifiCare Life and Health Insurance Company PacifiCare Life Assurance Company PacifiCare Life Insurance Company (a reinsurance company) Harris Methodist Health Insurance Company
Position(s) and Responsibilities:	President and CEO Responsible for all insurance and reinsurance subsidiaries of PacifiCare Health Systems, a $10 billion managed health care company.

Company:	Security Life Insurance Company of America
Position(s) and Responsibilities:	Executive Vice President – Special Markets Served as company’s second highest-ranking officer

Company:	CPIC Life Insurance Company (Subsidiary of Blue Shield of California)
Position(s) and Responsibilities:	President and CEO, also served as SVP, Blue Shield of California

Company:	Guarantee Mutual Life Company
Position(s) and Responsibilities:	Executive Vice President -- Group. Served as company’s second highest ranking officer. Developed and managed the company's largest SBU. Provided general corporate governance while serving on the Board, Investment Committee and Executive Committee

Credentials

Attorney:	No
Education:	Fellow of the Society of Actuaries (1974); Member of the American Academy of Actuaries, 1976
Other Information:	An actuary with over 30 years of comprehensive insurance operational experience, including individual and group insurance, reinsurance, annuities and pensions. Served as a senior executive including President and CEO of several life and health insurance companies-directed successful turnarounds. Extensive experience negotiating and drafting reinsurance treaties, working with MGUs, TPAs and participating in reinsurance pools. Served as a Board Member of American Council of Life Insurers, ACLI Forum 500, Blue Cross and Blue Shield of Nebraska (Finance and Personnel Committees), American Disability Reinsurance Underwriting Syndicate (a reinsurance pool manager), Anchor Pacific Underwriters (M & A Committee) and Innovus, LLC (a workers comp joint venture between BSC and TIG) Served on the HIAA Group Insurance Committee, ACLI Group Insurance Committee and LIMRA Group Insurance and Pension Committee. I provide expert industry consulting to attorneys and their clients-- served as an expert witness in over 25 disputes concerning insurance and/or reinsurance, most which involved industry custom and practice issues.

Work Experience

Insurance Company: 30 years

Executive Officer (CEO, COO, CFO, Chief Actuary): 21 years. VP, SVP, EVP, President and CEO

Ceded Reinsurance Department: 3 years. Group Actuary

Assumed Reinsurance Department: 3 years. Group Actuary

Actuarial Department: 3 years. Group Actuary

Reinsurance Company: 2 years

Executive Officer (CEO, COO, CFO, Chief Actuary): 2 years. President and CEO

Insurance-related Firms: 7 years

Consultant: 7 years. President. Turnaround, acquisition, operational and strategic consulting. Provide expert witness consulting and arbitration services.

Breakdown of Experience

Accident & Health   20% Life   20% Long Term Disability   10% Alternative/Self-Insurance/Risk Management   10%

Third Party Administrator   10% Worker's Compensation   5% Contract Wording   5% Disability   5%

Healthcare   5% MGA/MGU   5% Regulatory/Licensing   5%

By Market

U.S. Market: 98%

U.K. Market: 2%

Insurance vs. Reinsurance: 70/30%
Treaty vs. Facultative Reinsurance: 65/35%
Former Insurance or Reinsurance Company Officer
Former Insurance or Reinsurance Company Director

Mediation Experience

Number of Mediations

As Mediator: 1

ARIAS Experience

Ethics Training, as Trainee: 1; February 2010

Arbitration Experience

Number of Arbitrations

As an Arbitrator: 18
As an Umpire: 1
As Employee Manager: 1

Arbitrator Experience

Number of Arbitrations

6	Appointed as an arbitrator.
1	Acted as an arbitrator through the organizational meeting or the arbitration has only reached this stage.
3	Acted as an arbitrator through the organizational meeting or the arbitration has only reached this stage and the resolution of significant pre-hearing motions.
4	Acted as an arbitrator through to final award after completion of an evidentiary hearing of at least one full day and less than three full days regarding the substantive merits of the parties' dispute.
4	Acted as an arbitrator through to final award after completion of an evidentiary hearing of at least three full days regarding the substantive merits of the parties' dispute.

Umpire Experience

Number of Arbitrations

1	Acted as an umpire through to final award after completion of an evidentiary hearing of at least three full days regarding the substantive merits of the parties' dispute.

Employee Manager Experience

Number of Arbitrations

1	Employee Manager of arbitration through evidentiary hearing of at least one full day and less than three full days regarding the substantive merits of the parties' dispute.

Biography